Zum Inhalt springen

Free tool

How much can I borrow, and what will it buy?

Put in your income and savings to see the largest mortgage the ČNB's rules and a typical bank's affordability test allow, and the price that buys. Or start from a price to see the monthly payment. Then see the flats for sale within your budget.

From a shared link: change any figure to make it yours.

What do you want to know?

Who’s buying
The home

22,5 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month26.850 Kč

Mortgage5 Mio. Kč

Monthly payment

Monthly payment
26.850 Kča month
Mortgage
5.036.000 Kč

A bank will want to see a net income of about 59.667 Kč a month, for the payment to be 45 % of it.

Loan to value
77,5 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.481.000 Kč
Interest over 30 years
4.629.990 Kč
Repaid in all
9.665.990 Kč

Flats for sale up to 6.500.000 Kč

Live from the listings on Bytky: how many flats for sale ask no more than your budget, by layout. Each opens them on the map.

Counting the flats…

What you still owe, year by year

Each year’s payments

Each year’s payments
YearInterestRepaidStill owed
1247.094 Kč75.106 Kč4.960.894 Kč
2243.298 Kč78.902 Kč4.881.992 Kč
3239.311 Kč82.889 Kč4.799.103 Kč
4235.120 Kč87.080 Kč4.712.023 Kč
5230.719 Kč91.481 Kč4.620.542 Kč
6226.099 Kč96.101 Kč4.524.441 Kč
7221.243 Kč100.957 Kč4.423.484 Kč
8216.141 Kč106.059 Kč4.317.425 Kč
9210.782 Kč111.418 Kč4.206.007 Kč
10205.151 Kč117.049 Kč4.088.958 Kč
11199.237 Kč122.963 Kč3.965.995 Kč
12193.020 Kč129.180 Kč3.836.815 Kč
13186.493 Kč135.707 Kč3.701.108 Kč
14179.633 Kč142.567 Kč3.558.541 Kč
15172.431 Kč149.769 Kč3.408.772 Kč
16164.863 Kč157.337 Kč3.251.435 Kč
17156.912 Kč165.288 Kč3.086.147 Kč
18148.559 Kč173.641 Kč2.912.506 Kč
19139.785 Kč182.415 Kč2.730.091 Kč
20130.565 Kč191.635 Kč2.538.456 Kč
21120.883 Kč201.317 Kč2.337.139 Kč
22110.710 Kč211.490 Kč2.125.649 Kč
23100.023 Kč222.177 Kč1.903.472 Kč
2488.794 Kč233.406 Kč1.670.066 Kč
2576.999 Kč245.201 Kč1.424.865 Kč
2664.608 Kč257.592 Kč1.167.273 Kč
2751.591 Kč270.609 Kč896.664 Kč
2837.916 Kč284.284 Kč612.380 Kč
2923.550 Kč298.650 Kč313.730 Kč
308.460 Kč313.730 Kč0 Kč

Read the guide to Czech mortgages for foreigners

Reader poll

Do you think you'll ever be able to buy a home in Prague?

Anonymous, one answer per browser. We use the answers to learn who reads Bytky.

How the calculator works

The ČNB sets how much of a home’s value a bank may lend. Banks then test whether you can afford the payments, each its own way. The calculator applies the ČNB’s limits as they stand and a typical affordability test you can change.

What it counts

  • Your income: the payment may take at most a share of your net income, less what other loans already take. The most that payment repays over the term is one limit.
  • Your savings: the purchase costs come out first. The rest must pay the part of the price a bank may not lend: 20 % of the price for most buyers, 10 % under 36, 30 % for a flat to let.
  • For a flat to let, the ČNB also recommends that all your debt stays within 7 times your yearly net income.
  • The lowest limit is what you could borrow, rounded down to the thousand. Add your savings after the purchase costs, and that’s the price you could pay.
  • The payment is a standard annuity: the same amount every month, mostly interest at first and mostly repayment by the end.

What it leaves out

  • The valuation: banks lend against their valuer’s figure, which can come in below the price.
  • Rate changes: the rate is fixed for a few years at a time, then set again. The calculator keeps one rate for the whole term.
  • Bank fees and insurance the bank may ask for. Compare offers by their RPSN, which counts the fees.
  • Each bank’s own checks: your job and residence, your age at the end of the term, the living costs it assumes for your household.
  • Tax relief: interest on a mortgage for your own home lowers your income tax. The rent or buy calculator counts it.

Every starting figure and its source

Verified figures come from the ČNB or the law, checked on the date shown. Assumptions are typical values: change them to yours.

Questions

Questions about Czech mortgages

How much can I borrow for a mortgage in Czechia?

Two things set it. The ČNB caps the loan at 80 % of the home’s value (90 % if you’re under 36 and buying your own home), so your savings decide the most you can borrow. And the bank checks you can afford the payments: a common ceiling is all loan payments at most 45 % of your net income. The lower of the two is what you could borrow.

How big a down payment do I need?

At least 20 % of the value for most buyers, or 10 % if you’re under 36 and buying your own home. For a flat bought to let, the ČNB recommends at least 30 %. The purchase costs, about 17.000 Kč for the cadastre fee and a lawyer, come on top.

Is there a limit on payments against income?

Not a legal one for your own home any more. The ČNB capped loan payments at 45 % of net income (50 % under 36) from April 2022 until July 2023. Banks still test affordability, each its own way, so the calculator uses 45 % as a typical ceiling you can change.

What changes for a flat bought to let?

Since April 2026 the ČNB recommends that a mortgage on a flat to let, or on a third or further home, covers at most 70 % of its value, and that all your debt stays within 7 times your net income for a year. Switch “What it’s for” to a flat to let to apply both.

What interest rate should I put in?

The calculator starts from 4,94 %, the ČNB’s average rate on new housing loans. Your bank’s offer depends on the fixation, the share of the price you borrow and your income. Czech rates are fixed for a few years at a time, so the payment can change when the fixation ends.

Can I get a Czech mortgage as a foreigner?

Usually, yes. The ČNB’s limits are the same for everyone; what differs is each bank’s rules on residence and income. Citizens of the EU living in Czechia are usually treated like Czechs. Our guide to mortgages for foreigners explains what banks ask.

Erfahre, was eine Wohnung wert ist, bevor du anrufst.

Kostenlos für alle auf Wohnungssuche. Ohne Installation und ohne Konto loslegen.